The Universal Banker 1 position is part of the bank’s Retail Department and will report directly to the Retail Coordinator. The primary responsibilities of this position are to help service customers with the paying and receiving functions of the bank, deepen customer relationships and attract additional customers. This position is responsible for taking deposits, withdrawals, and transfers for customers as well as opening new deposit accounts, money orders, cashing bonds and opening and closing safe deposit boxes.
In addition, the Universal Banker 1 is responsible for selling additional products to customers and prospects and supporting the overall sales efforts of the bank, balancing the cash, staying within drawer limits, understanding related compliance regulations related to applicable bank services.
Customer Service: 60%
Perform paying and receiving functions for customers. This will include taking deposits, withdrawals, and transfers from customers. Additionally, the Universal Banker - 1 may sell cashier checks, money orders and help customers with additional related services.
Understand and comply with the related laws and compliance regulations that pertain. Examples include bank secrecy act, privacy, and funds availability policy.
Provide a high level of customer service. This includes understanding customer needs, as well as understanding the bank products offered.
Support customers with maintenance questions concerning their accounts. This will include address changes, check orders.
Must feel comfortable using the online and mobile banking products and the ability to trouble shoot common questions and concerns.
Deposit Accounts/Sales: 30%
Assist walk-in customers with their new account needs. This will include checking, savings, certificates. Understand an introductory knowledge of products the bank offers and is able to explain the value of those products to customers.
Assist walk-in and phone customers with problems or service issues related to their account(s).
Support the overall branch sales effort. Direct sales goals may be established by management for such items as ATM cards, direct deposit, automated banking, or referrals for other bank products.
This position will know other products the bank offers. In that capacity, this person will refer customers to the appropriate department in the bank for service. This may include loans, trust, private banking.
Participate as part of various retail product campaigns the bank initiates.
As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities.
Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.
Attention to Detail:
Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.
Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.
Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.
The ability to express thoughts and ideas in a clear and concise manner to a variety of audiences.
Project a positive image of the bank to all internal and external customers.
Must understand the role of sales and customer service in a community bank environment. Must be able to discover customer needs and be able to obtain new customer accounts.
An overall understanding of bank products. This includes online, mobile, and electronic delivery products.
Understands the importance of electronic delivery. Fully understands, utilizes, encourages and sells these products.Technology
Must be comfortable using bank products specifically the online and mobile banking. Must be able to assist customer with common questions.
EDUCATION AND PREFERRED REQUIREMENTS
Prefer a high school degree or equivalent. One to two years’ experience in a related position.
This job requires skills needed in a typical office environment. This includes computer skills, communication skills, as well as utilization of office equipment. Must have the dexterity to count money.
CERTIFICATES, LICENSES, REGISTRATIONS
Valid driver’s license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc. Ability to speak a foreign language helpful but not required.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and depth perception.
Must be willing to work weekends as required.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts and outside weather conditions. The noise level in the work environment is usually moderate.
The above statements are intended to describe the general nature and level of work being performed by the person assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Further, this job description is not intended to limit or in any way modify the right of any supervisor to assign, direct and control the work of any employee under his/her supervision. I further understand that employment is at the will of the employer and either the employer or the employee may at any time terminate the employment with or without cause. I further understand that no representations, promises or commitments made by supervisors or other company representatives relating to this position or duration of employment are binding on the company.